The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,714
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,016
−HK$307/mo
Today · 4.125%
HK$10,323
baseline
▲ 0.50% · 4.625%
HK$10,951
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,646/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,806
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,096
−HK$294/mo
Today · 4.125%
HK$11,390
baseline
▲ 0.50% · 4.625%
HK$11,991
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,780/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,657
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,019
−HK$368/mo
Today · 4.125%
HK$12,387
baseline
▲ 0.50% · 4.625%
HK$13,141
+HK$754/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$24,774/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,968
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,316
−HK$352/mo
Today · 4.125%
HK$13,668
baseline
▲ 0.50% · 4.625%
HK$14,389
+HK$721/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$27,336/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,599
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,022
−HK$430/mo
Today · 4.125%
HK$14,452
baseline
▲ 0.50% · 4.625%
HK$15,331
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,904/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,129
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,535
−HK$411/mo
Today · 4.125%
HK$15,946
baseline
▲ 0.50% · 4.625%
HK$16,787
+HK$841/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,892/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,485
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,029
−HK$552/mo
Today · 4.125%
HK$18,581
baseline
▲ 0.50% · 4.625%
HK$19,712
+HK$1,131/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,162/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$52,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,452
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,973
−HK$530/mo
Today · 4.125%
HK$20,503
baseline
▲ 0.50% · 4.625%
HK$21,583
+HK$1,080/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$41,006/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$52,089 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).